Ann Marie Curcio says her fight with Florida's Department of the Lottery is about more than money. The 58-year-old woman says it's about what is right and what is wrong.
But this week, it also became about a $500,000 lawsuit in which she is claiming Florida's lottery officials are refusing to honor a scratch-off ticket because of a printing error.
"We got wronged. I'm very sad about that," she said from her Ocala home during a telephone interview. "(But) I'm not going to give up."
The story began three years ago when Curcio's husband, Joe, bought her a $20 "Gold Rush" scratch-off ticket for Mother's Day.
The next day the couple headed to Tallahassee to claim their winnings, which was $500,000.
What was supposed to be one of the happiest days in the couple's lives quickly became one of the saddest.
Curcio said Lottery officials told her that there was a problem with the ticket and they weren't going to pay out. The Curcios claimed that lottery officials told them their ticket didn't have a serial number that authenticated the document.
The fight between the two had been going on ever since, with the Curcios claiming they weren't responsible for the apparent printing mistake, and lottery officials refusing to pay.
Curcio's husband, a car salesman, died a month ago of an apparent heart attack, but not before finding two Orlando lawyers willing to help them. On Tuesday, Curcio and her lawyers filed suit in Leon County, asking that Florida honor the $500,000 wining ticket. The lawsuit is claiming the Department of the Lottery had engaged in unfair and deceptive trade practice, breach of contract and misleading advertising.
The lawsuit was first reported by WFTV-Channel 9 in Orlando.
The lawsuit is also asking Florida to pay her attorneys fees and take steps to ensure such misprints don't happen again, said attorney Lawrence Walters, one of Curcio's lawyers.
Walters said Florida's Lottery is just like any other Florida business and has to meet the same standards.
"And the ticket says nothing about a matching serial number," Walters said.
In comparison, when another business — such as a fast food restaurant — holds a contest in which customers can win money, the business has to post the rules in a conspicuous place and also file the rules with Florida's Department of Agriculture and Consumer Services.
Walters said that the Lottery never explained to people buying tickets anything about required serial numbers, nor did it post rules about requiring a serial number.
To bring up the need for a serial number now was "the Lottery ... relying on some arcane rule they dug up," he said.
Even if such a rule existed in some forgotten filing cabinet, Walters said, "the average consumer shouldn't not be expected to wade through" such obscure documents to find it.
"The lottery has gotten away with business practices no other business could," he said.
Lottery spokeswoman Jackie Barreiros said the events that led to this week aren't how Curcio or her lawyers describe them. She also said she wasn't familiar with Curcio's lawsuit.
She said the Curcios weren't willing to hand over the ticket for Lottery inspectors to examine it when they first arrived in Tallahassee some three years ago. She also said the couple refused to even take the first step in claiming the prize money by filling out the Lottery's prize claim form.
"From Day One we've emphasized with the buyer, we're human," Barreiros said. "Unfortunately ... we're bound with very specific procedures we have to follow."
But Howard Marks, Curcio's other lawyer, described Barreiros' remarks as ridiculous.
He asked how Lottery officials could have determined the ticket didn't have a serial number if they hadn't examined it.
He also said Lottery officials wanted to take the ticket and keep it, and if they had, without a ticket there would be no case.
Meanwhile, Curcio said she wouldn't give up.
"No, I have to continue with this," she said.
As for what she might do with the winnings if she ever gets the money, Curcio said she's too busy grieving her husband to think about that.
"I don't even know," she said. "I'm taking everything one step at a time."




I think Florida lottery should pay up. I would be excited to see I had matched the numbers. I don't look to see if my scratch tickets have a serial number, just the number at the bottom of the scratch ticket. Pay up Florida, do the right thing. It was your printing mistake. Don't send tickets out with flaws.
I am on the same page, as you, as long as the purchaser of the ticket did not alter it, the state of Florida should pay. If not then the state loses all credibility to players of the scratch off tickets. What would be the next excuse, the ticket had the wrong color ink on it, give me a freaking break.
>Michael
All the Lottery Scammers aren't in Nigeria: Some of them may be in the Florida selling bogus Florida Instant Lottery Tickets!
Where is that Misprinted/Bogus Lottery Ticket Insurance when you need it?
Somehow losing tickets are never misprints.
This is why I would not quit my job until I went to the lottery headquaters and verfiy that I had indeed won. I would be too scared crap like this would happen. Flordia should pay up.
When Florida Lottery sells you a ticket you are buying it in GOOD FAITH---So FLORIDA LOTTERY should pay up. They just thought this couple Would just accept it and go away. I am going to email the florida lottery and express my dismay about this incident .This could have been me or you or anybody else that thought they have a chance on getting paid "when we buy a winning ticket.
The picture clearly shows the letters TH under the top "1" and the letters ONE under the other "1", they are not matching "1"s. There's no misprint and there's no match which was required to win. That's Florida lottery original story and they are probably going to stick with it.
Part of the excitement of playing scratch-offs are those types of tricks that make you think you've won until you take a closer look, that's the reason I seldom play them and when I do I prefer the ones that say match the symbol three times and you win..
Whenever I go to FL, it looks like I won't be buying any lottery tickets there.
Shame on you fl lotto. Gl to her getting her money!!
"And the ticket says nothing about a matching serial number," Walters said.
So where's the picture of the back of the ticket? I'm guessing it says pretty clearly that the game is subject to all of the lottery's rules. I can't imagine anybody being so stupid that they think all of the rules would actually fit on the ticket.
Plain and simple, the ticket failed the validation test because it wasn't a winning ticket. As RJ point out, you don't even need a serial number to think the ticket may not be a winner, since the letters under the "1" obviously don't indicate that it should be a "1".
Thanks RJOh, since I don't play often, I forgot about "EVERYTHING much match." It is obvious that there is a "TH" under the top # sequence to match ... I'm surprised that this woman's husband found not 1, but 2 unobservant lawyers willing to distract a judge thereby spending the State of Florida's income tax paying citizens money -- intended robbery! This woman should face charges!
sue there azz for $500,000 for pain and suffering
...it hurt's me just to read
about. some people wouldn't be that nice about. where i come from...sh$t
happens.
Their may be: Players wouldn't know unless they take each and every Instant Ticket to their Lottery Retailer and have them verify as to whether each Ticket is a Winner or a Loser!
If the Serial Number of the Ticket said the Ticket was a Winner and the Face of the Ticket said it was a Loser: Would the Lottery again Refuse to Pay and use the excuse that the Ticket is a Misprint?
The Instant Games don't seem to be Fair for Players, but extremely Profitable for the Lottery!
Ticket # 13.
Husband passed away...
Hmmm...
Throw that ticket away lady.
Burn it.
Give Me Transperancy or Get Outta Town!!!
taken 'in context' as pumpi would say, from Patrick Henry's famous line "Give me Liberty or Give me Death!!!
Georgia Lottery "Instant Games Rules & Regulations" includes "The Ticket must not be blank or partially blank, misregistered, defective, or printed or produced in error."
Florida Lottery... can't find the section for Instant Games Rules & Regulations, at least very easily (I've looked through more than four times now...)
While most advertisers have the disclaimer "Not responsible for misprints," I've not seen any such disclaimer in any past FL ads or anywhere on their website.
No disclaimer? Pay up.
Since when is it "Legal" for anyone (a state entity or otherwise) to sell defective products to the public without having to face the music for such actions?? They paid good money in good faith for a product that turns out to be a defective product! Any entity that knowingly sells defective products to the public usually faces some stiff fines for doing such a dirty deed! I say from here on out if they know that there is some defective lottery tickets the state lottery has an obligation to weed them out of the batch or scrap that batch and start over! The state has no recourse but to pay the $500,000.00 (as a fine) to those people because the state is knowingly selling a defective product!
Maybe the state will take better measures as not to have any more defective lottery tickets being sold to the public if the state had to pay up the $500K!!!
Pay Up Florida!
Its a mistake made by the FL lottery and they should honor the ticket regardless of the TH under the '1' ... The actual numbers matched up, so in my honest opinion, the FL Lottery should pay up the $500k. Typo or not... what's right is right. It is THEIR MISTAKE and they should own up to it and make sure their printing and validating QC measures are in place to prevent this from happening again. If it was me, I'd sue them too!
I noticed that too. Looks like it was supposed to be a 31 or some such thing. This has come up in court before. The ticket was a loser in the previous court case. I doubt they can win. They may grow white just fighting it.
I agree with you. In this age of technology, the lottery can't assume a ticket that looks official is the real deal and pay every would-be winner. That would be as if I told a cashier at Publix she has to accept my counterfeit $100 bill because I took it in good faith from the bank. You either have a ticket that matches or you don't.
I say if it's their mistake, then FL Lottery should have to pay up.
I think I know where Mrs. Curcio got her ticket.
https://www.lotterypost.com/news/198185
Justxploring, you are too funny.
That would be something if that's where they actually got it.
justxploring, I know you were just kidding. But for those who might think otherwise, Mrs. Curcio got her ticket from her husband 3 years ago. And the story you linked to is less than a year old.
Czech
I personally feel she should get the money. But the thing I am most curious about, and I’m sure will come out in court, is how many $500,000 prizes were available for that game and how many of those were paid out by the Florida Lottery.
I think if there were seven $500,000 prizes available and only six were paid out, the judge could conclude this ticket was the seventh winner even if there was a misprint.
Czech
That ticket could say Christmas Day and it wouldn't matter. It's the lottery's mistake, not the Curcio's. The lottery should pay and then sue the printing company for the $500K.
Check this story instead.
https://www.lotterypost.com/news/156108
Apparently they did match the numbers, but the 2 letters underneath did not match. Click on "watch video" to view. in the story.
LOL, 3 cases of FL not paying up on $500,000 tickets, I knew one other involving two matching "13"s but the letter code under each 13 doesn't match! look the closeup, this ticket is #13 but number 1 matched.
Why FL, any other state not paying?? I thought all tickets were made by same company, Scientific Games or G Games or some place. So they should make tickets for all states right? or FL got a bad batch
So you lost 500,000.00..No big deal..Must be a big blow tho first losing her husband and then 500,000.00..Wonder if Florida Lottery will give back the price of the ticket?..We have no idea what this feels like but we have to feel sorry for this woman..
I am sure the ticket doesnt say "Match the number AND all symbols and letters below the numbers". It most likely just says 'match the numbers', and in this case, it does. plus, Florida might have A LITTLE bit of a case if the letters under the one said "TWO" or "FIVE' but it has 'TH', which is at least part of the words 'FIVE HUND THO' (or whatever it says there).
So yeah, that is truly heartbreaking for this couple, well now this poor widowed woman, to have to fight this. And for 3 years? I wonder why it has taken so long? Now Florida Lottery will probably say "oh they waited too long to claim the prize and the game is expired"
More power to this woman, I hope she gets every dime of her prize, the attorney fees, and then some. Shame on ANY lottery for even holding back like this, its not like they are hurting for the money. I am sure there are triple that amount in unclaimed prizes, plus, the bad publicity will hurt them in lost sales as well...
I Agree,
When I look at my scratchers, I look to see that my number matches theirs, plain and simple. Iam SO SICK of "oh it was a misprint." "oh the slot machine malfunctioned" stories I could just barf. And Im also so sick of the term "The lottery is a business". I would expect a BUSINESS to provide legal and ethical services, I would also reserve the right to sue them after i find they have been misrepresenting themselves.
The lottery has been able to keep scratcher tickets in play for months after the last jackpot is sold, until we all said NO MORE!
I don't know about all of your tickets but CA tickets says "If your NUMBER matches the winning 'NUMBER" THEN YOU WIN. It does not say anything about the letters underneath, If they want to play hardball and specifics, I'd say let their attorney play the specifics game too! The misprint May have been the TH and the missing serial number.
Okay let go this way sue for the price of the ticket, and $500,00 for punitive damages for selling a defective ticket. Its not like the purchasers could pick what ticket she buys, and she definately couldnt have returned the "defective" ticket at the store after it was revealed as a true Loser.
I have said time and time again...
THE ODDS ARE STACKED HIGH ENOUGH AGAINST US. WE DON'T NEED AN ADDITIONAL LOTTERY THUMB PRESSING DOWN ON THE SCALE!
This makes the most sense..Tickets all say "Match your numbers with the winning numbers" and not symbols unless you buy a ticket that says symbols and there are tickets that do say that and have symbols..Pay up Florida..
I am sure the ticket doesnt say "Match the number AND all symbols and letters below the numbers".
True, but it probably did say it has to be verified by the Florida Lottery which included checking all the security numbers and letter codes they put on those tickets to make sure they are legitimate winners. They said three years ago this ticket was not a winner, I'm surprised this case hasn't been settled by now. This case may have to be settled by the next generation.
I remember a case in the New England area where a guy sue to get the money another guy claimed after finding a winning scratch-off ticket in the trash of a restaurant where he have bought a bunch of tickets and threw them into the trash. He died and his son had to carry on the fight and I never did hear if the case was settled.
I also agree with you. Since the ticket said match the numbers and nothing else, I can see her having a case. She matched the numbers. I think the Florida lotterys and other states, need to be more careful how they design their tickets to avoid problems like this.
am going to be the bad guy here
and say the lotto should not pay up
they keep records of winning tickets and only make so much money off of them
thro someone should be fired over this mistake IF,big if
if they KNEW ahead of time, this could happen, and did not do ever thing to fix it
and go ouch will, when the mis prints winners come to claim, we tell them no
then their the bigest <snip>s alive
you got that right......
The printing company makes tons of money printing tickets for the state. (Anybody with a government contract makes tons because the government doesn't care what anything costs when they're spending other people's money) They should make the printing company responsible to cover all of their own mistakes. The mistakes will stop immediately, guaranteed. The printing company could get insurance to cover their losses. Problem solved.
This theory goes out the window however if the owner of the printing company is some Governor's brother-in-law or a major campaign contributor.
The Cusio's have been fighting this for 3 years. I hope she wins so that she can payoff some of those mounting legal fees.
Ok,looks like that ticket may be one of those spoof tickets.Ann Marie should look behind that ticket and read it .It just might say "Redeem at North pole-see and talk to Santa Claus".
Or a mailman..
Anyone else notice that this ticket was good old number "13" on the roll?
All that aside though, my views are that the Florida Lottery should pay her out since there apparently was no tampering on her part....another thing I am very curious about is whether the "TH" under the number "1" which is what they matched, is not perhaps part of the lettering we see under the latex when we have a winner (or non winner!)...like when we win $5 we see F I V scattered throughout the playing surface...perhaps because it is a grand prize winner the ticket was printed with the "TH" taking the place of the "One" that would appear in any other case (such as a losing ticket). Meaning that the "TH" is REALLY a part of the F I V E H U N T H (Or whatever form they use to denote it) ..... In this case it is DEFINITELY adamant denial by the lottery officials....
I would like to hear some thoughts about this from other members, and I am VERY curious if their lawyers have considered this angle??
(Oh if someone already mentioned the same basic gist of my observation, please forgive me as I didn't read all the comments yet!)